Market Underwriter
Underwriter job in Frankfort, KY
This job serves as the single-point-of-contact for sales teams and assigned customers, delivering insights and recommendations to sales in order to aid customer acquisition/retention while maintaining performance goals. This incumbent will collaborate with cross functional team members on client-level quotes and function as a trusted adviser by providing financial and risk management support to sales as well as strategic insight.
**ESSENTIAL RESPONSIBILITIES**
+ Understand department and the company'sstrategic goals and competitive position and drives client-level results towards these ends. Actively work with Sales team to manage portfolio of clients towards financial and business targets, e.g. membership, revenue, margin, etc.
+ Proactively draw insights from quote details, client understanding and regional insights to deliver best-possible recommendation to Sales. State and maintain independent perspective, including under pressure from more senior individuals, identifying opportunities and concerns.
+ Responsible for portfolio of clients through underwriting engagement, from identification through documentation of final sold-contract details
+ Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations.
+ Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly and confidently communicates Underwriting's position on the risk profile of each client
+ Identify tool improvement needs and communicates needs to Product Development teams
+ Maintain accurate book management details including concession budget
+ Other duties as assigned or requested.
**Required**
+ Bachelor's Degree in Science, Technology, Mathematics or related field
**Substitutions**
+ Six (6) years additional experience required in lieu of degree
**Preferred**
+ None
**EXPERIENCE**
**Required**
+ 3 years of Health Care Underwriting OR risk mgmt OR actuary work OR applying advanced mathematics
to include
+ 1 years of external client interaction or comparable external interactions
**Preferred**
+ 1 year in Risk Management **OR** of Actuary work **OR** of applying Advanced Mathematics
**LICENSES or CERTIFICATIONS**
**Required**
+ None
**Preferred**
+ None
**SKILLS**
+ Understanding of health products, services, risk assessment and techniques
+ Consultative mindset
+ Strong Oral and Written Communications skills
**Language (Other than English):**
None
**Travel Requirement:**
0% - 25%
**PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS**
**Position Type**
Office-based
Teaches / trains others regularly
Rarely
Travel regularly from the office to various work sites or from site-to-site
Occasionally
Works primarily out-of-the office selling products/services (sales employees)
Never
Physical work site required
Yes
Lifting: up to 10 pounds
Constantly
Lifting: 10 to 25 pounds
Rarely
Lifting: 25 to 50 pounds
Never
**_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._
**_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._
_As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._
_Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._
**Pay Range Minimum:**
$50,200.00
**Pay Range Maximum:**
$91,200.00
_Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._
Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law.
We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below.
For accommodation requests, please contact HR Services Online at *****************************
California Consumer Privacy Act Employees, Contractors, and Applicants Notice
Req ID: J272541
Agency Managing Underwriter (Commercial P&C)
Underwriter job in Indianapolis, IN
Amerisure creates exceptional value for its partners, policyholders, and employees. As a property and casualty insurance company, Amerisure's promise to our partner agencies and policyholders begins with a comprehensive line of insurance products designed to protect businesses, as well as the health and safety of every employee. With an A.M. Best "A" (Excellent) rating, Amerisure serves mid-sized commercial enterprises focused in construction, manufacturing and healthcare. Ranked as one of the top 100 Property & Casualty companies in the United States, we proudly manage nearly $1 Billion of Direct Written Premium and maintain $1.21 billion in surplus.
Amerisure is recruiting for an Agency Managing Underwriter to join our team in Indianapolis, IN.
Position Summary:
Serves as the primary underwriting contact for assigned agency relationships, driving top- and bottom-line results through expert risk selection, pricing, and negotiation of complex accounts. Leads agency performance monitoring, fosters strong partnerships, and advocates for agency needs while aligning with Amerisure's strategic objectives.
Responsibilities:
* Evaluate and use underwriting judgement to price and negotiate large and complex accounts in accordance with Amerisure's risk evaluation process, underwriting guidelines, and renewal framework.
* Assess and underwrite new business opportunities that align with profitability goals and risk appetite.
* Provide service excellence to agency partners, adhering to established service standards to strengthen agency relationships and support business objectives.
* Develop and maintain strong relationships with key agency contacts to facilitate effective negotiations and ensure successful account acquisition and retention.
* Attain established underwriting performance metrics for both new and renewal accounts, including production goals and quote and hit ratios.
* Maintain organized and thorough underwriting documentation in accordance with Amerisure's standards and guidelines.
* Utilize underwriting tools to effectively support risk assessment and decision-making.
* Collaborate and champion of Amerisure's underwriting philosophy and strategic priorities with agency partners and internal departments.
* Analyze agency performance metrics, including loss ratios, premium growth, and policy retention rates, to identify trends and areas for improvement.
* Develop actionable strategies to address underperformance or capitalize on growth opportunities in collaboration with agency stakeholders.
* Partner with internal teams, such as claims and risk management, to ensure comprehensive support for agency partners.
* Leverage data and analytics to enhance risk evaluation and drive decision making.
* Monitor and apply market intelligence, including industry trends and competitive analysis, to underwriting strategies.
Requirements:
* Bachelor's degree or equivalent years of experience.
* 5 years underwriting experience in commercial middle market insurance including large and complex accounts.
* Experience in handling agency relationships preferred.
* Proficient computer skills required including Microsoft Office Suite.
* Proven strong sales acumen with the ability to effectively negotiate, influence, and close deals while building and maintaining long-term relationships.
* Demonstrated successful ability to build positive partnerships and work collaboratively with cross-functional business teams.
* Demonstrated successful ability to prioritize and multi-task various and conflicting responsibilities.
* Strong analytical and problem-solving skills, including the ability to deal with ambiguity.
* Excellent verbal and written communication skills with the ability to interact with internal and external customers
* Ability to travel up to 25%.
#LI-CR1
Just as we are committed to creating exceptional value for our Partners For Success agencies and policyholders, Amerisure also remains committed to being an employer of choice. We reinforce this commitment by adhering to an Employee Value Proposition that, in part, is provided through a competitive total rewards package. This package includes competitive base pay, performance-based incentive pay, comprehensive health and welfare benefits, a 401(k) savings plan with profit sharing, and generous paid time off programs. We also offer flexible work arrangements to promote work-life balance. Recognized as one of the Best and Brightest Companies to Work For in the Nation and one of Business Insurance magazine's Best Places to Work in Insurance, we provide a workplace that fosters excellence and professional growth. If you are looking for a collaborative and rewarding career, Amerisure is looking for you.
Amerisure Insurance provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Amerisure Insurance complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Amerisure Insurance expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of Amerisure's employees to perform their job duties may result in discipline up to and including discharge.
Auto-ApplyGroup Underwriter II (Stop Loss)
Underwriter job in Indianapolis, IN
Location: This role requires associates to be in-office 1 - 2 days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. This approach combines structured office engagement with the autonomy of virtual work, promoting a dynamic and adaptable workplace. Alternate locations may be considered if candidates reside within a commuting distance from an office.
Please note that per our policy on hybrid/virtual work, candidates not within a reasonable commuting distance from the posting location(s) will not be considered for employment, unless an accommodation is granted as required by law.
The Group Underwriter II (Stop Loss) is responsible for determining acceptability of insurance risks and appropriate premium rates for renewal and prospect employer groups in accordance with corporate underwriting guidelines and authority limits.
How You Will Make an Impact
Primary duties may include, but are not limited to:
* Calculates stop loss rates for group cases based on analysis of group's experience, industry and demographics.
* Prepares post-sale reviews.
Minimum Requirements:
Requires a BA/BS in a related field; Minimum 3 years of experience in underwriting; or any combination of education and experience, which would provide an equivalent background.
Preferred Skills, Capabilities, and Experiences:
* CPCU, CLU, LOMA, HIAA or other insurance related courses preferred.
* Stop Loss underwriting experience preferred
For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $61,404 to $105,264.
Locations: California, Colorado, District of Columbia (Washington, DC), Maryland, New York, Washington State
In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws.
* The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law.
Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health.
Who We Are
Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve.
How We Work
At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business.
We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few.
Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process.
The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws.
Elevance Health is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance.
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.
Auto-ApplyE&S Production Underwriter
Underwriter job in Indianapolis, IN
We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, our people are high-achieving, top performers who believe in collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs.
We've built a workplace where talent is valued and success is celebrated. In this team-driven environment, Amwins creates the perfect place for you to grow your career with built-in support and opportunity to advance your knowledge base. We, like you, recognize that your team plays an integral part of the success of your book. You will have the opportunity to curate and mentor an outstanding group.
Amwins is the industry leader because we hold ourselves accountable to deliver results - for our employees, our clients, our markets and our shareholders.
Amwins is seeking qualified candidates for a Production Underwriter position for our nationwide E&S Binding Authority Commercial and Personal Lines Insurance division, Amwins Access.
Each Underwriter is a vital member of our teams, providing:
* Successfully create and manage a profitable book of new and renewal business
* Prospect for new business by developing relationships with retail agents through both traditional and creative marketing strategies
* Remain up to date with new insurance companies' offers and how to leverage them
* Prospect for new business markets and/or lines to write with sales techniques based in trust and relationship building
* Mentor and train new team members
We are looking for people with:
* 2-3 years of E&S binding authority experience
* Bachelor's degree not required but preferred
* Knowledge of the sales process and pipeline management
* Ability to travel
* Licensed preferred
Snapshot of what Amwins provides to our team members:
* Compensation includes a competitive base plus an industry-leading bonus plan
* Broad benefits package available, with eligibility starting the first day of employment
* Most benefits available first day of employment
* Medical, Dental, Vision, Life, etc
* Parental Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc
* Generous Paid Time Off and Company Holiday Schedule
* Collaborative, continuing education focused work environment
* Career advancement opportunities
No direct inquiries, please
Mortgage Loan Underwriter Senior
Underwriter job in Frankfort, KY
WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews.
What you will do
* Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies
* Identifies issues and recommends appropriate resolution within policy service level agreements
* Analyzes and determines the financial capacity of the borrower's ability to repay:
* Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads
* Reviews for stability of residency and employment
* Verifies income per established policy
* Identifies any exceptions to current policies
* Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid
* Accurately sets and clears conditions
* Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required
* Updates System(s) with pertinent information and appropriate data as required
* Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority
* Originates appropriate client letters; Commitment, Counter Offer, Declination
* Certifies and provides a final Workbook to the Processor
* Ensures compliance with bank and statutory/regulatory guidelines
* Client Satisfaction
* Promotes a team environment fostering a positive working environment
* Functions as a collaborator and innovator to drive continuous improvement
* Provides guidance and support to the RLC and Processor when required
* Utilizes systems and tools to ensure that the RLC's are updated on the status of loans
* Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met
* Provides timely, complete and accurate response to inquiries
* Handles all situations in a professional and ethical manner
* Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions
* Supports and contributes to the quality and customer satisfaction goals of the bank
* Productivity
* Ensures all goals and service level agreements (SLAs) are met
* Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management
* Consistently meets quality control and data integrity standards
* Effectively utilizes available systems, workflow and imaging tools
* Mentor and train Underwriters I and II
* 2nd level review of Underwriters I and IIs' work
* Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc.
*Must-Have**
* Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required.
* Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required
* Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.).
*Skills and Knowledge*
* Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required
* Familiar with FNMA/FHLMC guidelines
* Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher.
* Superior ability to communicate effectively in both verbal and written form
* Strong time management skills to plan and organize a high daily loan volume
* Strong ability to be very detail oriented
* Must be a team player and work constructively with their fellow colleagues
* Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives
*Compensation*
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
**To be considered for this position you must meet at least these basic qualifications*
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Case Underwriter II
Underwriter job in Frankfort, KY
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
Trustmark is looking for a Case Underwriter to join the organization.
Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes.
**Key Accountabilities**
+ Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. All cases are reviewed with manager or higher level underwriter until proficiency is achieved. At full proficiency, underwriting authority is a maximum of 5,000 life case or $500,000 of annualized premium.
+ Reviews enrollment and participation trends in assigned territory and makes recommendations to optimize opportunity for sales while minimizing risk.
+ Provides monthly updates on sold case successes and failures as it relates to access and participation for Guarantee Issue cases.
+ Continually asks questions to grow and better understand our products and procedures. Develops and grows relationship with Implementation Managers to gain their confidence in decisions.
+ Understands non-standard broker arrangements and enrollment company strengths and weaknesses.
+ Identifies elements of a successful enrollment and makes recommendations that will create value.
+ Works with reinsurer on cases that require facultative review.
**Minimum Requirements**
+ Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience.
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$61,412.00 - $88,706.00 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
Field Underwriter
Underwriter job in Indianapolis, IN
INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE!
We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals.
WHO WE ARE
We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve.
What do distributors do?
We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency.
The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales!
We have an unmatched and proven hiring and onboarding system in place.
Great carrier overrides and bonuses!
Job requirements
Life insurance license or willing to obtain one.
You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well.
What do we offer?
If you currently have a Life Insurance license, then you can be in the field within one week
If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less!
There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program.
Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position
Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office.
We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads.
Renewals are 100% vested from day one - there is no waiting period!
Flexible schedule - you are your own boss and you set your own schedule
Opportunity for advancement into leadership and management roles.
Home Equity Underwriter
Underwriter job in Fort Wayne, IN
Full-time Description
Responsible for the review and underwriting of home equity loans. Additionally responsible for providing support to home equity processing and first mortgage operations teams as needed.
QUALIFICATIONS
Requires a motivated individual with the ability to comprehend mortgage guidelines and apply sound judgment in loan decisions and recommendations. Must possess knowledge regarding credit union Home Equity products. Lending experience is required. Must promote and demonstrate an atmosphere of enthusiasm and teamwork with credit union personnel. Requires completion of detailed documentation and ability to perform mathematical computation. Must be able to work well under pressure as industry dictates.
PHYSICAL REQUIREMENTS
Must be able to view a terminal screen and operate a computer keyboard. Must be able to communicate clearly and effectively with others. Must be able to sit or stand for prolonged periods.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Review and underwrite home equity loans
Analyze loan applications for cross-selling opportunities
Order AVM (if necessary) and pull property assessed value data
Assist loan officers with home equity loan application questions and details
Provide support to home equity and first mortgage operations teams as needed
Assist home equity loan closer with documents and in entering loan data into system
Provide support with investor loan deliveries
Additional duties as assigned
ProFed is an EEO employer - M/F/Vets/Disabled
Centralized Underwriter
Underwriter job in South Bend, IN
The Centralized Underwriter is responsible for reviewing and evaluating all consumer loan applications to determine risk levels and formulate credit decisions. The incumbent will apply underwriting principles and guidelines to make informed decisions and manage risk effectively to formulate credit decisions for consumer loan applications.
Primary Responsibilities and Duties:
Review, analyze and evaluate loan applications for completeness and accuracy utilizing departmental policies and strategies.
Assess risk factors associated with applicants and determine eligibility for credit to protect credit union assets.
Collaborate with branch employees to gather additional information as needed.
Responsible for making sound lending decisions based upon Everwise's underwriting and documentation requirements.
Communicate underwriting decisions to the originating loan officer and provide rationale on credit decisions when necessary.
Personal lending limit may vary according to experience, quality of loan decisions, and product type.
Responsible for maintaining a professional relationship with Retail Branches and MCC team by providing prompt, courteous, and quality service.
Ensure compliance with company policies, regulatory requirements and accountable for understanding and applying government laws and regulations and Everwise's policies and procedures relating to the Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC.
Assumes additional responsibilities as necessary for the growth and advancement of the credit union.
Knowledge/Skills:
Ability to comprehend detailed instructions.
Strong analytical and problem-solving skills
Excellent communication and interpersonal skills
Ability to work well with others in a team environment.
Proficient in Microsoft Office Suite
Strong organizational, prioritization and time management skills. Ability to perform efficiently while working under deadlines and time constraints.
Minimum Requirements:
High School diploma or GED
3+ years lending and/or financial experience required
Variability of shifts may include weekday, evening or weekend hours.
Hybrid position with expectation to work in office a minimum of 1 day per week.
Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Auto-ApplyMortgage Underwriter
Underwriter job in Fort Wayne, IN
Mortgage Underwriter Reports To: Mortgage Underwriting Manager Location: Onsite Position Type: Non-Exempt Pay: $63,450- $92,250/yr ***Note - Pay is dependent on pay and experience, with the top of the pay range reflecting someone who has held a similar position with a similar title and responsibilities for 10+ years. Variable Incentive Pay / Merit: This position is eligible for variable incentive pay based on individual and credit union performance. In addition, the position is also eligible for merit-based pay adjustments after the completion of one year of service, based on personal performance. Reviews, analyzes, and underwrites 1st and 2
nd
mortgage loan requests utilizing sound lending decisions. Measures expectations for fraud, delinquency and loss. Utilizes approved lending and credit evaluation guidelines adopted by the Credit Union. Assists in supervising the system of checks and balances associated with pricing, rates, fees, and rate-locks for lending requests. Maintains communication with the mortgage team members working with the membership. Obtains and evaluates credit information on applicants to render sound credit lending decisions. Enters and processes assigned internal software applications in a timely and accurate fashion. Supports reasons for denials and follow-up with required regulatory adverse action notifications to applicants. Responsible for the Credit Union's consumer credit granting decisions. Examines current credit history and member relationship to suggest additional products and services (cross-sell). Recommends lending products that would better suit the member's needs at the time of the request. Knowledge Requirements
Extensive experience and thorough knowledge of the 1st mortgage lending industry
FHA underwriting experience and endorsement
Working knowledge of lending practices and procedures.
Knowledge of office procedures and equipment.
Computer knowledge with exposure to Microsoft
Excellent verbal and written communication skills.
Exceptional organizational skills.
Ability to maintain composure and positive attitude at all times.
Good knowledge of loans, types and purposes
Must be able to use sound judgment at all times
Exercises judgment with management team to make decisions based on data and process knowledge.
Ability to analyze work flow and develop procedural modifications.
Focused on quality and problem resolution.
Adheres to all federal, state and credit union regulations and policies.
Work Environment & Physical Effort Required Normal Education and/or Experience
Minimum of 5 to 7 years of mortgage lending experience
3-5 years' history of underwriting 1st mortgage loans at a pace of 5 to 8 per day
High School diploma or equivalent
Bachelor's Degree in a related field
Core Values
Commitment - Be all in.
Consistency - Be all in EVERY DAY.
Innovation - Think (UYH) and ASK WHY.
Integrity - Do the RIGHT thing, not the easy or quick thing.
Quality - Do an OUTSTANDING job, don't run out of GAS.
Trust - Hold trust and be trustworthy.
Value - Make members lives better, easier, safer; help them fulfill dreams; help them to do what they don't know how to or think isn't possible even if it's not here (see integrity above); make them wiser; help them build wealth (beyond saving $$)
Mortgage Underwriter
Underwriter job in Frankfort, KY
About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards
Position Summary:
SolomonEdwards is looking for a Mortgage Fulfillment Underwriter for one of its mortgage clients to ensure the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. You will be held accountable for the quality and accuracy of decisions.
Position Locations:
Phoenix, AZ
Tampa, FL
St. Louis, MO
Plano, TX
Moorpark, CA
Pasadena, CA
Essential Duties:
- Decisions full range of mortgage loans, preferably including FHA loans.
- Review all mortgage applications and documentation for accuracy and completeness.
- Work with clients to prepare mortgage applications and related documentation as needed, and help resolve any outstanding issues.
- Work with compliance officers to ensure Federal, State, and local compliance with all mortgage and loan materials.
- Approve or deny mortgages on a timely basis.
- Perform other related duties as required and assigned.
- Demonstrate behaviors that are aligned with the organization's desired culture and values.
Qualifications:
- Bachelor's degree or equivalent work experience.
- 3+ years of mortgage underwriting experience required.
- Knowledge of mortgage laws and regulations required, including the Home Mortgage Disclosure Act.
- Knowledge of state and federal agency mortgage loan guidelines and regulations is helpful.
Skills and Job-Specific Competencies:
- Solid knowledge of mortgage underwriting and basic automated underwriting systems.
- Proficiency with basic automated underwriting systems.
Travel Requirements: No travel will be required, unless at the client's discretion.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices.
Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $26 - 36.
Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k).
Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated.
We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves.
Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy.
Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise.
Job Ref: 141866
### Place of Work
On-site
### Requisition ID
141866
### Application Email
****************************
Easy ApplyIn Office Mortgage Underwriter
Underwriter job in Carmel, IN
Mortgage Underwriter
Location: Carmel, IN (On-site, Full-time) Salary: $65,000-$75,000, depending on experience
Our client is seeking an experienced Mortgage Underwriter for an on-site position in Carmel, Indiana. This is a full-time role responsible for underwriting residential mortgage loans while maintaining compliance with agency guidelines and internal policies. The ideal candidate is detail-oriented, deadline-driven, and comfortable working in a collaborative office setting.
This role requires recent experience with Conventional loans. Non-QM and Government (FHA/VA) experience is a strong plus. Candidates must be proficient in Encompass.
Key Responsibilities:
Underwrite Conventional residential mortgage files in accordance with FNMA/FHLMC guidelines
Analyze income, assets, credit, and collateral to assess loan eligibility and risk
Review and clear conditions in a timely and accurate manner
Communicate clearly with processors and loan officers to facilitate smooth closings
Maintain a consistent pipeline and meet required service-level standards
Stay up to date on investor, agency, and regulatory changes
Support internal team discussions on process improvements and file quality
Qualifications:
2-4 years of recent mortgage underwriting experience required
Strong knowledge of Conventional guidelines
Non-QM and Government (FHA/VA) underwriting experience is a plus
Encompass experience is required
Detail-oriented with strong time management and documentation review skills
Effective communicator with a team-first mindset
Additional Information:
This is a full-time, in-office position based in Carmel, IN
Candidates must have recent front-line underwriting experience
This role is not intended for processors or individuals seeking to re-enter underwriting after an extended gap
Please Note: All qualifications and requirements for this role are set by our client. National Mortgage Staffing does not determine candidate eligibility.
Thank you for your interest!
If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
Senior Underwriter
Underwriter job in Frankfort, KY
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Performance Based Incentive Plans
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
**General Summary:**
The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners.
**Principal Duties and Responsibilities**
+ Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
+ Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
+ Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these
+ Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences
+ Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners
+ Assist with training, technical development and mentoring more junior underwriters
**Job Specifications**
+ Bachelors degree or equivalent, relevant business experience
+ Demonstrated, consistent proficiency at Underwriter level
+ Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits
+ Strong technical expertise in risk selection
+ Demonstrated understanding of top-line and bottom-line objectives
+ Exhibit strong knowledge of sales/distribution process and market trends
+ Solid mentoring and coaching skills
+ Strong creative problem solving skills
+ Strong critical thinking/analytical reasoning skills
+ Strong communication skills, both verbal and written
+ Strong organizational skills and ability to handle multiple priorities
+ Strong ability to be persuasive and to negotiate
+ Demonstrated ability to work both independently and in a team environment
+ Exhibit a strong commitment to quality and personal ownership of results
\#LI-JQ1
~IN1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$53,300.00-$100,700.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Mortgage Protection Sales
Underwriter job in Carmel, IN
Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success.
Job Duties:
Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage.
Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability.
Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage.
Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting
Qualifications:
We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position.
What We Do:
We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation.
We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income.
We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community!
What Sets us Apart:
We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work
If you feel this might be the home you have been looking for. Click APPLY!
Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results.
***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.
Auto-ApplyUnderwriting Specialist (Surety)
Underwriter job in Louisville, KY
You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.
CNA seeks to offer a comprehensive and competitive benefits package to our employees that helps them - and their family members - achieve their physical, financial, emotional and social wellbeing goals.
For a detailed look at CNA's benefits, check out our Candidate Guide.
Under technical direction, responsible for underwriting risks in a Surety book of business. Works within specific limits of authority on assignments requiring significant technical complexity and coordination. Utilizes underwriting policies and guidelines, rating manual rules and insurance laws and regulations.
JOB DESCRIPTION:
Essential Duties & Responsibilities
Performs a combination of duties in accordance with departmental guidelines:
Reviews applications and financial requirements for risks requiring complex underwriting skills. Determines acceptability of risk in accordance with company guidelines and standards. Also, determines the need for additional evidence of insurability and appropriate strategy.
Determines appropriate pricing based on financial and competitive analysis in line with compliance requirements.
Prepares quotes and answers questions from agencies, policyholders or other external contacts and escalates issues to management along with proposed solutions as necessary. Negotiates with agents to reach positive and profitable outcomes.
Notifies agencies of adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations.
Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review.
Markets products and services through agencies or through the brokerage community and makes field visits. Develops and maintains agency and/or broker relationships.
May provide guidance and assistance to other underwriters and to other functional areas, particularly when related to cross-sell opportunities.
Keeps current on state/territory issues and regulations, industry activity and trends and freely shares information with others.
Utilizes advanced functionality in relevant CNA systems to perform day-to-day activities.
Works with more senior underwriters or management on risks exceeding authority level or requiring special handling.
Reporting Relationship
Manager or Director
Skills, Knowledge and Abilities
1. Advanced knowledge of underwriting and insurance industry theories and practices.
2. Demonstrated high level of technical expertise and product specific knowledge.
3. Strong interpersonal, communication and negotiation skills. Ability to effectively interact with all levels of CNA's internal and external business partners.
4. Ability to work independently.
5. Strong analytical and problem solving skills.
6. Ability to exercise independent judgment and to make critical business decisions effectively.
7. Knowledge of Microsoft Office Suite as well as other business-related software.
8. Demonstrated leadership skills.
Education and Experience
1. Bachelor's degree or equivalent experience. Professional designations preferred.
2. Typically a minimum three to five years underwriting experience.
** Title of this role may be flexible to the following titles based on experience: Underwriting Consultant or Underwriting Consulting Director**
CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact ***************************.
Auto-ApplyNational Commercial Underwriter
Underwriter job in Florence, KY
The position is described below. If you want to apply, click the Apply button at the top or bottom of this page. You'll be required to create an account or sign in to an existing one.
If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to
Accessibility
(accommodation requests only; other inquiries won't receive a response).
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st Shift (United States of America)
Please review the following job description:
The ideal candidate must have at least 5 years of experience in a similar role. This position is responsible for handling large volumes of files for National Commercial transactions.
Attention to detail, great communication skills (verbal & written) great organizational skills, and ability to multi-task in a fast-paced environment are essential for success in this position.Responsibilities:
Primary point of contact for clients, attorneys and sales reps for commercial transactions.
Review title insurance products such as commitments, pro-formas, policies and endorsements with support of in-house legal team or agency counsel if necessary.
Work with Buyer/Seller and Lenders to clear and close National Transactions
Assist coordinators in preparing invoices on National Deals
Interact with the Salespeople on work generated out of New York Office
Help with possible overflow of settlement statements
Forward-facing transaction management with heavy interaction between all parties to a commercial transaction
Work closely with local and/or agency counsel on complex underwriting matters/High Liability approvals
Pipeline management and ensuring the critical dates and follow-ups are being met
Coordination of delivery of executed documents for recording/post-closing
Recognize title defects and work with clients and if necessary in-house counsel and/or agency counsel as to insurability, when necessary.
Correspond with clients to obtain missing documentation and/or clarify information.
Requirements:
Minimum of 5 years of related transaction experience
Time management skills.
Ability to communicate effectively (written and verbal).
Excellent spelling and language comprehension.
Ability to organize and prioritize work tasks Initiate work/self- learning/development. Ability to work under deadlines.
Ability to work well with others.
Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
Experience in SoftPro Select (Preferred but not required)
Able to maintain work priorities in an environment with multiple concurrent tasks and projects and maintain flexibility related to assigned task
High attention to detail a must
High energy, a positive attitude a must
General Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, we're committed to supporting every aspect of teammates' well-being - physical, emotional, financial, social, and professional. Our best-in-class benefits program is designed to care for the whole you, offering a wide range of coverage and support. Eligible full-time teammates enjoy access to medical, dental, vision, life, disability, and AD&D insurance; tax-advantaged savings accounts; and a 401(k) plan with company match. CRC Group also offers generous paid time off programs, including company holidays, vacation and sick days, new parent leave, and more. Eligible positions may also qualify for restricted stock units and/or a deferred compensation plan.
CRC Group supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC Group is a Drug Free Workplace.
EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify
Auto-ApplyCommercial Real Estate Credit Underwriter
Underwriter job in Merrillville, IN
Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company's achievement as well.
A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results.
What are our values? Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING company that's built on these pillars?
What about the perks? Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE.
What the day-to-day would be:
Underwriter's should display independent thought to present data, conclusions and recommendations taking into account the boundaries of regulations, policies, and guidelines. Collect and analyze financial information about borrowers regarding income, assets, and debts to determine the level of credit that is appropriate for borrower relationship typically at $1 million and up. Prepare 10-25 page written presentations for new commercial loans and renewals. Presentations include identification of strengths and weaknesses, an appropriate risk grade and recommendation regarding the loan decision. Approval will come from SVP's of Business Banking, Loan Committee, or Executive Management depending on the size of relationship Conduct reviews of covenant compliance and periodic financial statements identifying potential weaknesses. Will need to interact with lenders (and customers on occasion) to evaluate credit worthiness of new customers and potential deterioration of existing borrowers. Participation in meetings with Business Bankers, and SVP's regarding commercial loans. Think independently to present data, conclusions and recommendations when there may not be a predefined policy or procedure. Take ownership for the bank's commercial loan portfolio to prevent, matured delinquency, payment delinquency, collateral shortfalls, and/or loan charge-offs.
What it takes to be successful in this role:
Adept at time management to meet strict deadlines and respond to high urgency requests from Management and/or Loan Officers Ability to think critically and express conclusions in writing and verbally Aptitude for quantitative analysis working with numerous variables, spreadsheets with large amounts of data, identifying/summarizing patterns and trends Must be a quick study for new tasks, procedures, software/technology as well as conceptual philosophy behind a diverse set of tasks related to risk management of commercial loans. Strong organizational skill sets Strong attention to detail Working knowledge of Microsoft Office and financial worksheets/spreads Some travel required
What you need to bring to the table:
Must possess working knowledge of basic underwriting principles for Commercial & Industrial Loans or Commercial Real Estate Loans. Bachelor's Degree with significant accomplishment in finance and accounting or commensurate experience and training in credit analysis for commercial loans. Minimum of 2-3 years of commercial credit experience (or credit skills that are commensurate) Prior completion of formal credit training either through ABA, RMA, or formal internal bank training program.
Bring it all together:
The Underwriter II will be expected to prepare analyses for commercial loan relationships of $1 million and up. They will also monitor existing loans through financial reviews and covenant testing. Underwriter II will make recommendations about approval decisions and loan risk ratings.
What do I do now?
Apply with us!
Refer this opening to others!
Disability Accommodation Statement
Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at ************ or send us an email at *********************.
Equal Opportunity Employer: Disability/Veteran
Centier Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Member FDIC
Auto-ApplyNational Commercial Underwriter
Underwriter job in Florence, KY
The position is described below. If you want to apply, click the Apply button at the top or bottom of this page. You'll be required to create an account or sign in to an existing one.
If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to
Accessibility
(accommodation requests only; other inquiries won't receive a response).
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st Shift (United States of America)
Please review the following job description:
The ideal candidate must have at least 5 years of experience in a similar role. This position is responsible for handling large volumes of files for National Commercial transactions.
Attention to detail, great communication skills (verbal & written) great organizational skills, and ability to multi-task in a fast-paced environment are essential for success in this position.Responsibilities:
Primary point of contact for clients, attorneys and sales reps for commercial transactions.
Review title insurance products such as commitments, pro-formas, policies and endorsements with support of in-house legal team or agency counsel if necessary.
Work with Buyer/Seller and Lenders to clear and close National Transactions
Assist coordinators in preparing invoices on National Deals
Interact with the Salespeople on work generated out of New York Office
Help with possible overflow of settlement statements
Forward-facing transaction management with heavy interaction between all parties to a commercial transaction
Work closely with local and/or agency counsel on complex underwriting matters/High Liability approvals
Pipeline management and ensuring the critical dates and follow-ups are being met
Coordination of delivery of executed documents for recording/post-closing
Recognize title defects and work with clients and if necessary in-house counsel and/or agency counsel as to insurability, when necessary.
Correspond with clients to obtain missing documentation and/or clarify information.
Requirements:
Minimum of 5 years of related transaction experience
Time management skills.
Ability to communicate effectively (written and verbal).
Excellent spelling and language comprehension.
Ability to organize and prioritize work tasks Initiate work/self- learning/development. Ability to work under deadlines.
Ability to work well with others.
Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
Experience in SoftPro Select (Preferred but not required)
Able to maintain work priorities in an environment with multiple concurrent tasks and projects and maintain flexibility related to assigned task
High attention to detail a must
High energy, a positive attitude a must
General Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, we're committed to supporting every aspect of teammates' well-being - physical, emotional, financial, social, and professional. Our best-in-class benefits program is designed to care for the whole you, offering a wide range of coverage and support. Eligible full-time teammates enjoy access to medical, dental, vision, life, disability, and AD&D insurance; tax-advantaged savings accounts; and a 401(k) plan with company match. CRC Group also offers generous paid time off programs, including company holidays, vacation and sick days, new parent leave, and more. Eligible positions may also qualify for restricted stock units and/or a deferred compensation plan.
CRC Group supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC Group is a Drug Free Workplace.
EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify
Auto-ApplyCommercial Underwriter III
Underwriter job in Jasper, IN
Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.
We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.
Responsibilities
Salary Range
The salary range for this position is $60,000 - $165,100 per year plus bonus. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled.
We are growing and have opportunities for Commercial Underwriters/Credit Analysts for Agriculture. This role has the primary responsibility of underwriting lending opportunities, balancing risk and growth ensuring loan structures are appropriate and consistent with bank lending standards. You will assign an appropriate asset quality rating, in a fast-paced, high volume environment completing a detailed financial analysis to obtain a deeper understanding of an application's credit risk. You will collaborate with Relationship Managers, and internal support staff to provide credit expertise to underwrite and monitor the portfolio.
We are an in-office working environment with the following locations for you to work with team members; Fargo ND, MN (St Cloud, Mankato, Capella Building, St Paul, Lake Elmo, Rochester). IL (8750 W. Bryn Mawr Chicago (near Rosemont and the Cumberland Blue line station), Hickory Hills, Sycamore, Moline, Galesburg, Joliet, Danville), IN (Indianapolis, Carmel, Jasper, Bloomington, Muncie, Lafayette, Evansville), Louisville, and Nashville.
Key Accountabilities
Underwrite Loans
* Underwrite credit requests focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR)
* Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation by Loan Review, OCC, and/or others may identify unacceptable underwriting or inaccurate asset quality ratings (AQR)
* Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume
* Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc.
Partner with respective Relationship Managers as well as Treasury Management Partners
* Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions.
* Deliver exceptional internal customer service and adopt new processes and new tools, as available.
* Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise
* Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environment
Monitor Portfolio
* Accurately assign asset quality ratings (AQR)
* Work with assigned Relationship Managers to monitor the credit portfolio to maintain strong asset quality; review trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate.
* Prepare credit data in Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, as necessary, working with assigned Relationship Managers
* Commercial Underwriters may monitor overlines and Treasury Management/ACH risk reports or other trends, as appropriate
Key Competencies for Position
Cultural Leadership:
* Communication - effectively shares information and ideas with individuals and groups; displays self-awareness and self-management, tailors the delivery to the audience, and selects suitable delivery methods.
* Collaboration - actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives.
Execution Leadership:
* Drive and Execution - committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; seeks and leverages opportunities to collaborate with others to achieve results; consistently achieves performance targets.
* Problem Solving/Decision Making - with minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources (e.g., lines of business, subject matter experts, data, policies, procedures, etc.) to ensure effective action and shared ownership; decisions are sound based on what was known at the time and are based on a blend of analysis, wisdom, experience, and judgement.
* Adaptability - flexible and agile (can be a utility player); modifies behavior and approach in order to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change; accepts new challenges/shifts/change in a "can-do" way; focuses on the beneficial aspects of change
* Technical Knowledge - possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise; applies credit and banking expertise, industry knowledge, skills and abilities to demonstrate and sustain a depth and breadth of applicable technical underwriting knowledge
Client Leadership:
* Client Leadership - Puts the (internal and/or external) client in the forefront; strives to delight clients/partners by becoming a trusted advisor, establishes long-term productive relationships by viewing and understanding outcomes and operations through the eyes of the client, identifying and acting upon needs, and delivering increased value
Qualifications and Education Requirements
* At least 3 + years progressive Agriculture underwriter experience is required. More experience for higher level positions is required.
* Prefer familiarity with syndicated loan transactions.Prefer MBA, CFA, or CPA.
* Demonstrated ability to independently understand, analyze and interpret financial statements
* Understands and takes appropriate action related to risks associated with lending to various types of industries.
* Highly skilled with loan structuring, borrowing causes and lending regulations; ability to comply and conform to ONB lending policies, guidelines and standards
* Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly given the high volume, fast-paced environment
* Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly
* Must feel comfortable working in a collaborative team environment along with being an independent thinker.
Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.
As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.
We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, to fill a specific position.
Our culture is firmly rooted in our core values.
We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank.
Join our team!
Auto-ApplySenior Underwriter/Underwriting Specialist - Wholesale Property
Underwriter job in Nebo, KY
What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs.
Join us and play your part in something special!
The position encompasses Property underwriting on a wholesale only basis for the Markel Wholesale & Specialty Northeast Region. The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines, and drive projects having an impact on the business. Assigned a varying TIV size range of accounts with a focus on smaller to middle market size risks. Ability to write both primary and excess coverage. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions.
Responsibilities:
* Review, analyze, accept, and decline Property risks to ensure profitability for Markel.
* Underwrite and select new business that will produce an underwriting profit.
* Manage an existing renewal book and implement corrective measures, as needed, to meet profitability expectations.
* Communicate with regional managers and national product line leaders regarding individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate.
* Participate in audits and/or underwriting meetings as required.
* Build and maintain quality relationships with key producers while simultaneously monitoring the entire appointed producer base for profitability and production.
* Review forms and pricing of competitors and be able to effectively market the Markel product within the competitive landscape
Requirements:
* Minimum 3 years current property underwriting expertise.
* Demonstrated technical knowledge and skills reflective of progression of positions with increasing responsibility.
* Demonstrated marketing and relationship building skills.
* Four-year college degree desired and insurance designations a plus.
* Excellent oral and written communication skills.
* Strong analytical and organizational skills.
* Must be a team player that enjoys a flexible and spontaneous business environment.
* 20% travel in the Northeast Region of the US.
#LI-SY
#LI-Hybrid
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Pay information:
The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Underwriting Specialist position is $104k - $143k/year with a 25% bonus potential, for the Executive Underwriter position is $116k - $159k with a 30% bonus potential.
Who we are:
Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world.
We're all about people | We win together | We strive for better
We enjoy the everyday | We think further
What's in it for you:
In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work.
* We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life.
* All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance.
* We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave.
Are you ready to play your part?
Choose 'Apply Now' to fill out our short application, so that we can find out more about you.
Caution: Employment scams
Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that:
* All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings.
* All legitimate communications with Markel recruiters will come from Markel.com email addresses.
We would also ask that you please report any job employment scams related to Markel to ***********************.
Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law.
Should you require any accommodation through the application process, please send an e-mail to the ***********************.
No agencies please.
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